Saan Pwede Mag Invest Ang Pinoy Para Makapag Retire Ng Maaga At Maayos?

I’m a full time stock trader. Normally, I talk about stock trading all day. Most of us in my family trade stocks. I was doing a lesson about a new trading strategy called TITA then all of a sudden it hit me. Not all who trade stocks are in it to be a full time trader. Some of them just want a vehicle to prepare them for their retirement years. If that’s the case I need to point them to the right direction. I don’t get paid to do what I do. I do it out of love for my fellow Filipino traders. Let me now answer the question that most of the OFW send me a message about. Ano ang magandag strategy para sa tulad ko na hindi makabantay lagi sa market? Ano ang magandang gawin para sa retirement?

I often do blogs and Youtube Videos with active stock traders in mind. Let me now think about yung mga tao na sabihin na nating walang oras magbantay ng market. Let us think about those who are in their late 40’s or nasa 50’s na nahihirapan maghanap ng lugar kung saan pwede nila ilagay ang pera nila para sa retirement. Let us think about yung mga walang alam sa negosyo at ang gusto lamang ay makapag ipon ng maayos para sa kinabukasan. One option is to join TRC and do the Peso Cost Averaging Strategy which I’m not really a fan of. I wrote a blog why I love Brother Bo Sanchez but I don’t like Peso Cost Averaging.

Let me introduce you to another idea. THE INDEX FUND. An index fund is simply a fund that replicates the components of a market index. Sa Pilipinas may 30 bluechip companies na bumubuo ng tinatawag natin na Philippine Stock Exchange Index or Psei. An index fund simply mirrors the returns this index produce. Technically speaking, index funds in general mean that they track the average return of not only the entire Philippine market but even specific industries.

I’m just going to open the door about Index Fund for you. Its up to you to go in. I’m just going to give you an idea or an option na if gusto ninyo you can research more about it with the help of your internet.

We have MUTUAL FUNDS which is pera na iniipon mula sa investors at minamanage ng tinatawag na Fund Manager. UITF which is a mutual fund din pero mga banks naman ang humahawak at nag ooffer. ETF which stands for exhcange traded fund. First Metro Philippine Equity Exchange Traded Fund (FMETF). It is a fund but it’s stock is traded on the Philippine Stock Exchange. It’s a cross between a managed fund and a stock. If may col account ka or any stock broker’s account you can buy it. Instead na bibili ka isa isa na stock you can directly buy FMETF which contains all of the index.

5,000 pesos ang initial investment sa mutual fund. You can check the list of mutual fun companies at PIFA. Marami din blogs at articles nasa internet about mutual funds especially with fees at returns nito kasi iba iba sila ng fees at returns. 5,000 pesos din initial investment sa UITF. You can check the list here.

Narinig na ba ninyo ang 401k sa US? May local version tayo nun which is called PERA. Personal Equity and Retirement Account . It is officially established by the Republic Act No. 9505 of 2008. Through the Bangko Sentral ng Pilipinas (BSP), it was launched on December 16, 2016 and created the framework where citizens and institutions can come up with a way to voluntarily save for the purpose of using the funds upon reaching the retirement age. OFW’s canavail this as well as local Pinoy employees. 18 years old pataas yata ang requirement. BDO , BPI at Land Bank ang nag ooffer.